5 Things To Never Tell Your Insurance

5 things not to say that insurers

Some words are red flags to insurance companies and their use could mean that the application may be delayed or even denied.

The first, "I think ..."

Do not start a statement with these words. If you are unsure, do not guess. What do you think could result in claimed to be delayed or denied, the lawyer says Vedic Puri. And if you're wrong - and I say you get a report of 30 km / h before the accident, but the police went to the age of 50 - could undermine his credibility.

Pay special attention to the blame or speculate about the cause. For example, if you suggest that the loss of water due to the construction of a fault, could be given to the insurer if the policy of exclusion.

Stick to the facts. If an insurance agent to ask for something you can not answer, just say "I do not know." If a person must submit written or recorded, please review the errors in the subtitles.

2. "I Got Whiplash"

Insurance fraud costs U.S. car $ 6.8 billion annually, according to the Insurance Council of research. And it continues to damage caused by the whiplash is a favorite criminal ("Oh, my neck!"). Suffice it to mention the term is likely to get your registration for further investigation, said Amy Danise of Insure.com.

Whiplash is an accurate diagnosis. If your doctor says it's done, you tell yourself. Otherwise, if you feel pain in the neck, just refer to it.

3. "This is an experimental treatment"

Objectives very experimental or investigational medical procedures are generally not eligible for health insurance. So if your doctor wants to try the treatment, not to represent him in these words. "Medical conditions that can actually be for experimental or investigational," Danise said. "If proven effective, your doctor deems it medically necessary, not the exception, to be covered." Consult your doctor, who meets the basic criteria before going over to the insurer.

4th "My basement flooded"

When the insurance, "Flood" is a red flag. "The word refers to the act or the time lost by the water," said Danis. "And the standard homeowners insurance does not cover it. Do you need insurance against floods. "

So do not use the F word if your basement is knee-deep in water due to a broken pipe. The damage caused by such incidents should be covered by insurance. However, calls the "flood" could cover his tracks, so to speak.

5. "Only I will send you a check"

By submitting a home or auto accident do not emphasize that you are looking for money.

"If you had to say:" I do not like roof leaks, I just need the money, "the recording can slow things to a halt," said Puri. Technically, you need distribution for repair, who sent you. While most insurance companies will not control you, you will certainly raise suspicions of fraud, if you suggest that you do not. And then you may run out of money altogether.